36 Credit rating services; credit rating services, namely, providing credit ratings information relating to financial institutions; financial services, namely, providing information to others regarding the creditworthiness of financial institutions; financial services, namely, providing historical credit scoring and financial information and credit risk management for others through the design of custom models; providing financial institution investment rating services; providing information and research to others in the field of finance and financial investments; financial services, namely, providing ratings of financial institutions to others based on a variety of metrics; financial services, namely, providing a ratings and review system in the form of a website featuring ratings and reviews of financial institutions for consumers